Schedule A/B
Combined list of real and personal property with descriptions, locations, and current fair-market values for each listed asset.
Complete and accurate schedules protect the debtor and the estate by ensuring creditors receive correct notice, reducing the risk of penalties or denial of discharge, and enabling a smoother trustee review and claims process.
Bankruptcy schedules are completed by debtors but used by multiple stakeholders throughout the case.
Combined list of real and personal property with descriptions, locations, and current fair-market values for each listed asset.
Claimed exemptions by statutory source and amount to protect specified assets from estate administration.
Secured creditors: list liens, collateral descriptions, and outstanding secured claim amounts for mortgage or secured debt.
Priority and general unsecured creditors including tax debts, domestic support obligations, and trade creditors with claim values.
Totals for assets and liabilities that reconcile line-item entries and support trustee and court review of estate totals.
Statement of Financial Affairs discloses prepetition payments, transfers, lawsuits, and business interests.
| Field | Configuration |
|---|---|
| Authentication | Email, SMS code, or multi-factor |
| Template Fields | Pre-fill debtor name, SSN last 4 |
| Conditional Fields | Show fields based on chapter selection |
| Attachments | Upload pay stubs and asset titles |
Use platforms that support secure PDF, audit trails, and appropriate signer authentication for legal documents.
Schedules are filed with the petition contemporaneously.
Trustee examines schedules shortly after docketing.
Bar dates vary by docketed notice; check the clerk’s notice.
File amendments promptly when new information appears.
Discharge or plan confirmation timing varies by chapter.
Gather records and complete schedule drafts for review.
File petition and schedules electronically with the clerk.
Trustee conducts the creditors’ meeting and reviews disclosures.
Plan confirmation or discharge once administration concludes.
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The debtor listed on the petition must sign schedules under penalty of perjury; joint debtors each sign when applicable to verify the accuracy of the disclosures.
A licensed attorney may prepare and file schedules on the debtor’s behalf and typically signs filings in the attorney capacity while certifying the debtor’s signature and authorization.